Insurance For Texans Blog

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If My Daycare Enrollment Is Shrinking, Can I Save Money On Insurance?

Posted by Brad Hancock on Sep 24, 2025 5:53:51 PM
Key Takeaways Your Premiums Can Shrink With Enrollment If You Take Action Coverage Gaps Become More Dangerous Loss History and Operations Still ...

Topics: True Texas Education Insurance, daycares, renewals

Does An Automatic Water Shutoff System Help With Texas Home Insurance?

Posted by Ron Wadley on Sep 22, 2025 3:00:52 PM
Sarah had just bought her dream home in Waco. It wasn't a "fixer upper", but she loved it. Everything felt fresh and new. The paint was crisp, the ...

Topics: discounts, water, TRUE Texas Home Insurance

Defense Costs: The Overlooked Protection Every Texas Daycare Needs

Posted by Brad Hancock on Sep 19, 2025 3:02:14 PM
Key Takeaways Duty To Defend vs Duty To Reimburse Defense Costs: Inside or Outside Policy Coverage Limits Two More Details Every Daycare Should Know ...

Topics: claim, liability, True Texas Education Insurance, daycares

Why Wisdom Matters More Than Knowledge For Your Texas Home Insurance

Posted by Ron Wadley on Sep 18, 2025 3:46:14 PM
Earlier this week, I was talking with my friend Brian Kurtz. He made a statement that stuck with me. He said, “There is a fine line between knowledge ...

Topics: independent insurance agent, gaps in coverage, TRUE Texas Home Insurance

Does An After School Youth Program Need Insurance In Texas?

Posted by Brad Hancock on Sep 17, 2025 2:32:00 PM
Tim has always been proud of his after school program in Austin. For years, he and his staff have provided a safe and fun environment for kids whose ...

Topics: liability, True Texas Education Insurance, after-school programs

Can My Texas Church Get Full Coverage Insurance?

Posted by Ron Wadley on Sep 16, 2025 4:13:16 PM
Key Takeaways The Myth of Full Coverage for Liability When "Cheap" Sounds Like Good Stewardship Storm Coverage That Really Isn't Storm Coverage At ...

Topics: liability, property, Church Insurance, The Promise Of Certainty

How Does My Church Insurance Policy Handle Defense Of Liability Claims

Posted by Amanda Minter on Sep 15, 2025 2:39:51 PM
Key Takeaways Duty To Defend vs Duty To Reimburse Defense Costs Are Not Handled The Same Inside All Policies Two Different Keys To Remember If you ...

Topics: professional liability, liability, Church Insurance

5 Questions Every Daycare Owner Should Be Asking Their Health Broker

Posted by Kevin Hall on Sep 10, 2025 2:16:36 PM
Key Takeaways Are you Showing Me Any Level-Funded, Catastrophic, Self-Funded or Private Health Plans? Can We Build A Plan That Fits My Team's Needs? ...

Topics: group health, employer health insurance, daycares

How Not To Make Your Texas Daycare's Lawyer Rich!

Posted by Brad Hancock on Sep 9, 2025 3:11:00 PM
Key Takeaways The Insurance Provider Brings The Lawyer For You The Lawyer Already Knows The Daycare Playbook You Don't Have To Pay Out Of Pocket Up ...

Topics: liability, True Texas Education Insurance, daycares

Can Level Funded Health Plans Save My Texas Small Business Money?

Posted by Kevin Hall on Sep 8, 2025 11:52:48 AM
If you’ve ever owned a small business, you know what it feels like to watch expenses go up while if feels like the value is going down. Phil knows ...

Topics: employer group policy, employer health insurance, level-funded health plans